Home Insurance in Nez Perce County, Idaho
The median home value in Nez Perce County is $334,700, 20% lower than the Idaho median.
The typical home in Nez Perce County was built around 1973. About 34% of homes were built before 1960, about 17 points above Idaho's 17%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Nez Perce County is 71% single-family homes, 10% apartments in buildings with 5+ units and 10% mobile or manufactured homes.
In Nez Perce County, about 58% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Nez Perce County has an owner-occupancy rate of 70% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Most homes in Nez Perce County - 52% - are primarily heated with natural gas. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Nez Perce County, per FEMA's National Risk Index, are wildfire (Relatively Moderate), inland flooding (Relatively Low) and earthquake (Very Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Nez Perce County has 30 active NFIP flood policies on file.
The statewide average premium for a standard HO-3 homeowners policy in Idaho is $1,135 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $334,700 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Moderate), Inland Flooding (Relatively Low), Earthquake (Very Low) |
| Active NFIP flood policies (county) | 30 |
| Home insurance premium | $1,135 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)